摘要21世纪是一个竞争激烈、追求进取的经济全球化时代，随着信息和技术的全球化，各个经济领域都面临着各式各样的机遇和挑战。我国的保险业作为一个新兴行业，在金融领域更是具体反映出我国整个金融行业在时代大潮流下面临机遇与挑战的状态。我国的保险公司不仅要相互竞争，同时还要抵挡来自国外发展完善，拥有先进经营理念和丰富经验的保险公司的挑战，这是我国整个保险行业面对的难题。本文主要研究内容是保险公司绩效影响因素的实证研究，但论文也进行了保险公司绩效影响因素的理论分析。首先是从保险公司的外部因素和内部因素两个角度分析影响保险公司绩效的因素，外部因素主要是从宏观角度研究政治、经济、科技文化等因素对保险公司经营绩效的影响，相对的，内部因素则主要是从微观角度分析保险公司治理机制、保险公司对消费者和社会承担责任及保险公司销售团队的综合素质等因素对保险公司经营绩效的影响。其次就是通过对收集的样本数据进行实证分析，从保险公司的盈利能力、偿债能力、资产运营能力和后续发展能力等方面研究。最后根据实证研究的结果有针对性的提出对策及建议，促进我国保险行业的可持续发展。43329

毕业论文关键词：保险公司；经营绩效；外部因素；内部因素；实证研究

Insurance companies: an empirical study of factors affecting business performance

Abstract

 21st century is a fierce competition, the pursuit of progress of the era of economic globalization, with the globalization of information and technology, every economy is faced with a variety of opportunities and challenges.The insurance industry as an emerging industry in our country, particularly in the financial sector specific reflects the entire financial industry in our country state of the opportunities and challenges facing down the big tide of The Times.  This main research content of the article is performance: an empirical study of factors affecting the insurance company, but the paper also studies the performance of insurance company theory analysis of influencing factors. First, from the external factors and internal factors of insurance company two Angle analysis of the theory of factors influencing the performance of an insurance company, the main external factors from macro Angle research factors such as politics, economy, science and technology culture influence on insurance company business performance, relatively, internal factors are main from the micro perspective of insurance company governance mechanism, the insurance company for consumers and social responsibility and the insurance company sales team to the comprehensive quality of the influence of factors such as the business performance of an insurance company. Second,based on the collected sample data for empirical analysis, from the insurance company's profitability, solvency, assets operation ability and the follow-up research development ability, etc. Finally according to the result of empirical study targeted countermeasures and suggestions to promote the sustainable development of the insurance industry in our country. 

Key Words：Insurance companies； operating performance； external factors； internal factors； empirical research 

目  录

摘 要 I

Abstract II

目 录 III

第1章 绪论 1

1.1 研究背景 1

1.2 研究意义 1

1.3 相关研究回顾 2

1.4 本文的研究框架 3